National Auto Loan Network

What National Auto Loan Network does

National Auto Loan Network (legal entity OTTNO Inc.) is a U.S. consumer auto-loan refinancing platform founded in 2010 and headquartered at 1735 Flight Way #100, Tustin, California. The company originates refinance loans that replace an existing auto loan with new terms — typically a lower interest rate, a different amortization (36 to 72 months), co-signer removal, or up to $1,000 of cash-out equity — for individual U.S. consumers seeking lower monthly payments or reduced interest cost.

The company's core technology is a secure, browser-based application and underwriting workflow protected by SSL encryption and a per-customer Personal ID, accessed either via the online application at naln.com/apply or through inside-sales channels (loan-center phone at (888) 391-3504, SMS/text engagement, and customer service at (949) 617-5511). Loan officers (such as those named in Trustpilot testimonials) convert inbound and outbound applications into funded refinances; ancillary products include Guaranteed Automobile Protection, Anti-Theft insurance, Mechanical Breakdown Insurance and Vehicle Service Contracts, offered in most licensed states.

Monetization is driven by (i) interest income on originated refinance loans, with state-variable APRs ranging from 12% (CT, VA) up to 28.75% (MS) based on creditworthiness, vehicle value and term; (ii) administrative, lien-filing, loan-processing or origination fees of up to $499 per loan depending on state; and (iii) licensing/royalty-style revenue on ancillary insurance and service-contract products. NALN is privately held under founder/CEO Marco J. Rasic, holds lending licenses across more than 20 U.S. states and NMLS registration #1736159, and reports cumulative originations of $2.5 billion+ across 200,000+ refinanced customers with $1.3 billion in customer interest savings.

Name

National Auto Loan Network

Legal name

OTTNO Inc.

Website

https://naln.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

National Auto Loan Network is a U.S. consumer auto-loan refinancing platform founded in 2010 that originates refinance loans for individual borrowers through inside-sales, web, phone and SMS channels, operating under OTTNO Inc. with lending licenses in more than 20 states.

Ownership category

akta.pro rank

Product category

Consumer Auto Loan Refinancing

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Auto Refinance (FSAKADAB)

akta.pro secondary industries

Auto Loan Refinance (Rate/Term) (FSAKAIAG), Auto & Vehicle Loan Brokerage (FSAEAEAK)

Keywords

• Auto loan refinancing
• Consumer auto lending
• Vehicle loan services
• Auto refinance loans
• Loan origination services

Headquarters

HQ city

Tustin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Others

Revenue model

1. Auto Loan Interest: NALN originates auto refinance loans and earns revenue through interest charged on loans. Interest rates vary by state (ranging from 12% APR to 28.75% APR) and are based on creditworthiness, vehicle value, and loan term. Average savings of $100.40/month for customers who refinance.
2. Origination and Administrative Fees: An administrative, interest surcharge, lien filing, loan processing, or origination fee of up to $499.00 may be charged based on state of residence.
3. Auto Finance Products: NALN offers additional auto-specific finance products including Gap (Guaranteed Automobile Protection), Anti-theft insurance, Mechanical Breakdown Insurance, and Vehicle Service Contracts in most states.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

National Auto Loan Network refinances existing auto loans for individual consumers, offering new loan terms and, where applicable, cash-out equity from the vehicle's value. Applications are submitted online, by phone, or by SMS, then closed by an inside sales team. Optional protection add-ons (Gap Insurance, Anti-Theft Insurance, Mechanical Breakdown Insurance, and Vehicle Service Contracts) are offered alongside the refinance, and the company services the loans it originates across all 50 U.S. states.

Product overview

National Auto Loan Network operates as a single-product auto refinancing platform with supporting tools. The core offering is Auto Loan Refinancing, which enables consumers to replace their existing high-interest auto loans with more favorable terms. The platform also offers complementary add-on products including Gap Insurance, Anti-Theft Insurance, Mechanical Breakdown Insurance, and Vehicle Service Contracts in states where licensed. Additional features include a Payment Calculator tool and Cash-Out Equity option (up to $1,000) for qualifying customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Loan Refinancing Core consumer auto loan refinancing product for U.S. consumers who already have an existing auto loan; restructures the loan with new terms and rate, with a paperless online application and assisted closing by phone.
• Cash-Out Equity Refinance Optional feature of the refinance in which a qualifying borrower taps into the equity in their vehicle and receives cash as part of the new loan terms.
• GAP Insurance Optional Guaranteed Asset Protection (GAP) coverage added to the refinanced loan, designed to cover the difference between the loan balance and insurance payout in a total-loss scenario.
• Anti-Theft Insurance Optional anti-theft protection product bundled with the refinanced loan, providing coverage if the financed vehicle is stolen.
• Mechanical Breakdown Insurance Optional mechanical breakdown coverage sold alongside the refinanced loan, protecting the borrower against major mechanical failures of the financed vehicle.
• Vehicle Service Contract Optional extended vehicle service contract sold in connection with the refinanced loan, covering specified repair costs beyond the manufacturer's warranty.

Quantifiable outcome

• Average monthly savings of $100.40 for customers who refinance
• +3 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• RateGenius: RateGenius is one of the most direct competitors to NALN, specializing in auto loan refinancing for consumers nationwide with a similar inside-sales motion and online application funnel.
• RefiJet: RefiJet is a direct auto refinance platform that helps consumers lower monthly payments and interest rates, competing head-to-head with NALN in the same consumer refinancing niche.
• Caribou (formerly MotoRefi): Caribou is a digital auto refinance company offering a streamlined online application and lender matching, directly competing with NALN for the same digitally-oriented consumer refinance customer.
• Auto Approve: Auto Approve focuses exclusively on auto loan refinancing, matching consumers with lenders, and is among the closest like-for-like competitors to NALN in product, target customer, and channel strategy.

Broad incumbents

• LendingTree: LendingTree is an online loan marketplace that includes auto refinance products alongside mortgage, personal, and other credit offerings. It competes for the same consumer refinance demand but with a much broader product portfolio.
• LightStream (Truist): LightStream is an online consumer lending division of Truist that offers auto refinance loans at lower APRs, competing for prime borrowers who might otherwise refinance through NALN.
• Capital One Auto Finance: Capital One Auto Finance is a national auto lender providing refinance and purchase financing through an online application, competing with NALN for the same digitally-served consumer refinance customer.
• Ally Financial: Ally is a major online auto lender with captive deposit funding that can offer competitive refinance rates, representing a well-capitalized competitor in NALN's market.
• SoFi: SoFi is a large digital consumer lender offering auto refinance alongside student loan refi, mortgages, and personal loans, providing more capital-efficient competition for prime refinance candidates.
• Credit Union Direct Lending (CUDL): CUDL is an auto lending network connecting credit unions with borrowers, offering refinance and purchase financing. It competes for NALN's target customer but through a credit-union-owned, lower-rate model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/mynalnrefi
• Facebookfacebook.com/mynaln
• LinkedInlinkedin.com/company/national-auto-loan-network

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about National Auto Loan Network